A practical comparison for investors who want real estate exposure without buying property directly. stock.estate gives fixed-rate, deal-by-deal lending exposure, while REITs and property funds give pooled market exposure.
Target returns up to 20% per year paid monthly on many campaigns
Choose individual projects instead of buying a blind pool
Secured by registered mortgages not marked to market daily
Randament estimat pe 12 luni:
-
comisioane și taxe =
(14.0%)
At a glance
All three can give real estate exposure, but the mechanics are very different: private fixed-rate loans, listed shares, or pooled fund units.
| Criteria | stock.estate Real estate crowdlending | REITs (listed) | Property funds |
|---|---|---|---|
| Return profile | Up to 20% / year | Dividend yield + share price | Pooled fund return |
| Exposure type | Fixed-rate loan | Listed equity share | Fund units |
| Collateral or backing | Mortgage target 150% | Property portfolio equity | Pooled portfolio |
| Project choice | Deal by deal | Pooled portfolio | Pooled portfolio |
| Price volatility | Not listed daily | Daily market price | NAV changes |
| Income timing | Monthly interest | Periodic dividends | Distributions |
| Minimum to start | From EUR 100 | One share price | Fund minimum |
| Liquidity | Term-based | High | Varies by fund |
Portfolio fit
REITs and funds are easier for broad market exposure. Crowdlending is more direct: you choose the borrower, project, rate, maturity, and security package.
Use REITs for liquidity
Listed REITs can be bought and sold quickly, but prices move with public markets.
Use funds for pooled exposure
Property funds can diversify across assets, but the manager chooses the portfolio.
Use crowdlending selectively
Consider it when you want fixed-rate project loans and can hold for the campaign term.
What investors ask before choosing crowdlending over REITs or property funds.
With stock.estate you lend to a specific real estate project. With a REIT, you buy listed shares in a company that owns or operates a portfolio.
stock.estate campaigns can target up to 20% per year. REIT returns depend on dividends and share-price movement. Property fund returns depend on the pooled portfolio.
It is different. Crowdlending depends on the borrower and campaign security. Most campaigns have a first-grade mortgage, but enforcement can still be delayed and we may not recover the full amount.
Yes, but manually. You choose separate campaigns instead of buying one pooled fund. That gives control, but it also means you need to diversify deliberately.
stock.estate campaigns can start from EUR 100. REITs usually start at one share price, while property funds may set their own minimum subscription.
Start with the KIIS document, the most important document for each campaign. Then read the campaign page, loan agreement, risk warnings, collateral documents where available, fees, tax notes, and repayment schedule.
Next step
If you want pooled market exposure, REITs or funds may fit. If you want to select individual secured loans with fixed-rate interest, compare the live campaigns.
STOCKESTATE CROWDFUNDING SRL este inscrisă în Registrul Autorității de Supraveghere Financiară cu nr. PJR28FSFPR/400002, începând cu data de 29.08.2023, conform registrului furnizorilor de servicii de crowdfunding al Autorității Europene pentru Valori Mobiliare și Piețe (ESMA).
Resurse pentru investitori
Garanții și securitateModelul de crowdlendingComparație vs depoziteComparație vs REIT-uriComparison vs othersToate investițiile implică riscuri, incluzând pierderea capitalului investit, lipsa lichidității, nerambursarea parțială sau totală a împrumuturilor. Este o investiție adecvată numai pentru investitorii capabili să evalueze și să suporte riscurile prezentate anterior. Înainte de a investi, vă rugăm să citiți avertismentul referitor la riscuri, și de asemenea, toate clauzele contractului de împrumut, care vă va fi furnizat pentru campania în cauză. Platforma Stock.estate nu este responsabilă pentru informațiile furnizate de dezvoltatorii de proiecte, chiar dacă acestea sunt furnizate de sau prin intermediul Stock.estate. Stock.estate nu furnizează niciun alt serviciu de consultanță. Decizia de a investi vă aparține Dvs. în totalitate. Vă recomandăm să apelați la consultanți specializați în cazul în care aveți nevoie de ajutor pentru evaluarea deciziei de a investi. Mesajele și documentația pe care le primiți de la Stock.estate sau de la dezvoltatorii de proiecte nu au fost verificate sau aprobate de autoritățile române sau europene.